Mortgage lending in Skagit County
2,807 mortgages were originated in Skagit County, Washington, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,807
- Median rate
- 6.750%
- Median lender fees
- $6,467
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $335,000
- Above the going rate (spread over APOR)
- 0.298
- Paid discount points
- 40.9%
- Received lender credits
- 20.7%
- Purchases / refinances
- 48.1% / 29.3%
- Conventional / FHA / VA
- 82.6% / 9.2% / 7.9%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $621,000
- Median home price
- $540,000
- That home, 20% down
- $432,000
A median-priced home with 20% down leaves $400,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Skagit County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Boeing Employees Credit Union | 259 | — | 6.490% |
| United Shore Financial Services, LLC | 186 | $10,401 | 6.125% |
| Rocket Mortgage, LLC | 182 | $4,274 | 6.875% |
| CMG Mortgage, Inc. | 157 | $8,397 | 6.500% |
| Banner Bank | 131 | $5,338 | 6.875% |
| Peoples Bank | 111 | — | 7.500% |
| Guild Mortgage Company | 105 | $6,761 | 6.750% |
| Evergreen Moneysource Mortgage Company | 103 | $11,028 | 6.625% |
| Whatcom Educational Credit Union | 95 | — | 7.250% |
| Movement Mortgage, LLC | 70 | $8,027 | 6.750% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Skagit County — not a rule of thumb.
From 1,836 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers